Veronica,
If you had bothered to either a) do the research on the laws and bylaws of the Fair Debt Collection act or b) bothered to have read the promissory note provided with your loan you would have noticed that everything Navy Federal is doing is responsible business practices that any and ALL successful financial institutions abide by. The first issue is that by being a joint owner/being married to someone who is late on a loan you are LEGALLY responsible for that same debt regardless of whether or not your name is on the loan. Also, on the promissory note you are advised that if you are late or past due on any outstanding debts then all attempts will be made to make that loan current. By signing the promissory note, which you have to do in order to receive the loan, you are AGREEING TO THOSE TERMS AND CONDITIONS, simply put if you do not like those terms then feel free to find a better loan with a better rate elsewhere. The reason your experience with Navy Federal has been unpleasant if because of your own irresponsible financial practices. When taking out a loan or any type of credit you should always read any and all terms associated with that agreement. The only person you should be upset with is yourself for not being responsible to read what you are agreeing to before you do it.
